Paycheck Calculator
Estimate the take-home pay from each paycheck. Enter your gross salary, filing status and how often you are paid to see federal income tax, Social Security and Medicare withheld. This is a 2025 federal estimate and does not include state tax unless you add a rate.
How to use the paycheck calculator
- Enter your gross annual salary and choose your filing status.
- Pick how often you are paid and add any pre-tax deductions or a state tax rate.
- Review your estimated take-home pay per paycheck and the tax breakdown.
Examples
Single, $60,000, paid biweekly
Gross $60,000, single, biweekly, no pre-tax, no state tax
Take-home about $50,248.50 per year, roughly $1,932.63 per paycheck.
Married, $60,000, paid monthly
Gross $60,000, married, monthly, no pre-tax, no state tax
Lower federal tax than a single filer thanks to the larger standard deduction.
Frequently asked questions
What is withheld from a paycheck?
This estimate covers federal income tax, Social Security (6.2% up to the wage base) and Medicare (1.45%). Real paychecks may also include state and local tax, retirement contributions, insurance premiums and other deductions.
What is the difference between federal and state tax here?
The calculator computes federal income tax using the 2025 brackets and standard deduction. State tax is not included unless you enter a flat state rate, which is applied to your wages after pre-tax deductions.
What is FICA?
FICA is the combined Social Security and Medicare payroll tax. Social Security is 6.2% of wages up to the 2025 wage base of $176,100, and Medicare is 1.45% of all wages with no cap.
How do pre-tax deductions change my paycheck?
Pre-tax deductions such as 401(k) or HSA contributions lower your taxable income and your FICA wages, which reduces the tax withheld. That money still leaves your paycheck, so it is subtracted from your take-home pay too.
Why is this only an estimate?
It uses annual brackets rather than the IRS per-paycheck withholding tables, and it does not model tax credits, the additional Medicare tax, local taxes or W-4 adjustments. Your actual paycheck and refund can differ. Use it for planning, not for filing.
Which tax year does this use?
It uses 2025 federal figures: a standard deduction of $15,000 for single filers and $30,000 for married filers, the 2025 income tax brackets and the $176,100 Social Security wage base.
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